{smcl}
{txt}{sf}{ul off}{.-}
      name:  {res}<unnamed>
       {txt}log:  {res}/Users/sebastiantonke/Desktop/Replication Package/Replication files experiment/output_logs/table 4.smcl
  {txt}log type:  {res}smcl
 {txt}opened on:  {res}11 Jul 2023, 21:09:20
{txt}
{com}. 
. 
. 
. tab debtgroup, gen(debtgroupdummy)

  {txt}debtgroup {c |}      Freq.     Percent        Cum.
{hline 12}{c +}{hline 35}
          0 {c |}{res}     68,699       17.59       17.59
{txt}          1 {c |}{res}    163,592       41.88       59.47
{txt}          2 {c |}{res}    158,287       40.53      100.00
{txt}{hline 12}{c +}{hline 35}
      Total {c |}{res}    390,578      100.00
{txt}
{com}. 
. probit paidcount itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh i.debtgroupdummy* premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*  if t==14, vce(cluster customer)

{txt}note: 1.debtgroupdummy3 omitted because of collinearity
note: interviewerdummy16 omitted because of collinearity
note: datedummy14 omitted because of collinearity
note: datedummy18 omitted because of collinearity
note: schemedummynew54 omitted because of collinearity
{res}{txt}Iteration 0:{space 3}log pseudolikelihood = {res: -6748.296}  
Iteration 1:{space 3}log pseudolikelihood = {res: -5921.845}  
Iteration 2:{space 3}log pseudolikelihood = {res:-5919.7925}  
Iteration 3:{space 3}log pseudolikelihood = {res:-5919.7923}  
{res}
{txt}Probit regression{col 49}Number of obs{col 67}= {res}     9,823
{txt}{col 49}Wald chi2({res}97{txt}){col 67}= {res}   1449.75
{txt}{col 49}Prob > chi2{col 67}= {res}    0.0000
{txt}Log pseudolikelihood = {res}-5919.7923{txt}{col 49}Pseudo R2{col 67}= {res}    0.1228

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          paidcount{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      z{col 53}   P>|z|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 12}itt2low {c |}{col 21}{res}{space 2} .0122497{col 33}{space 2} .0863263{col 44}{space 1}    0.14{col 53}{space 3}0.887{col 61}{space 4}-.1569468{col 74}{space 3} .1814461
{txt}{space 11}itt2high {c |}{col 21}{res}{space 2} .0878706{col 33}{space 2} .0481835{col 44}{space 1}    1.82{col 53}{space 3}0.068{col 61}{space 4}-.0065674{col 74}{space 3} .1823086
{txt}{space 7}itt2veryhigh {c |}{col 21}{res}{space 2}  .085632{col 33}{space 2} .0528465{col 44}{space 1}    1.62{col 53}{space 3}0.105{col 61}{space 4}-.0179452{col 74}{space 3} .1892092
{txt}{space 12}itt3low {c |}{col 21}{res}{space 2} .0476844{col 33}{space 2} .0856836{col 44}{space 1}    0.56{col 53}{space 3}0.578{col 61}{space 4}-.1202525{col 74}{space 3} .2156212
{txt}{space 11}itt3high {c |}{col 21}{res}{space 2} .2629623{col 33}{space 2} .0499857{col 44}{space 1}    5.26{col 53}{space 3}0.000{col 61}{space 4} .1649922{col 74}{space 3} .3609325
{txt}{space 7}itt3veryhigh {c |}{col 21}{res}{space 2} .2365363{col 33}{space 2} .0523687{col 44}{space 1}    4.52{col 53}{space 3}0.000{col 61}{space 4} .1338955{col 74}{space 3}  .339177
{txt}{space 2}1.debtgroupdummy1 {c |}{col 21}{res}{space 2}-.0452032{col 33}{space 2} .0750145{col 44}{space 1}   -0.60{col 53}{space 3}0.547{col 61}{space 4} -.192229{col 74}{space 3} .1018226
{txt}{space 2}1.debtgroupdummy2 {c |}{col 21}{res}{space 2} .2185516{col 33}{space 2} .0535392{col 44}{space 1}    4.08{col 53}{space 3}0.000{col 61}{space 4} .1136167{col 74}{space 3} .3234865
{txt}{space 2}1.debtgroupdummy3 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2}-.0001314{col 33}{space 2}  .000066{col 44}{space 1}   -1.99{col 53}{space 3}0.046{col 61}{space 4}-.0002608{col 74}{space 3}-2.08e-06
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2} -.102323{col 33}{space 2} .0272414{col 44}{space 1}   -3.76{col 53}{space 3}0.000{col 61}{space 4}-.1557151{col 74}{space 3}-.0489309
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2}-.0004772{col 33}{space 2} .0003692{col 44}{space 1}   -1.29{col 53}{space 3}0.196{col 61}{space 4}-.0012009{col 74}{space 3} .0002465
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} 9.39e-06{col 33}{space 2}  .000013{col 44}{space 1}    0.72{col 53}{space 3}0.469{col 61}{space 4} -.000016{col 74}{space 3} .0000348
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}  .183674{col 33}{space 2} .0064776{col 44}{space 1}   28.36{col 53}{space 3}0.000{col 61}{space 4} .1709781{col 74}{space 3} .1963699
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.1254056{col 33}{space 2} .0686444{col 44}{space 1}   -1.83{col 53}{space 3}0.068{col 61}{space 4}-.2599461{col 74}{space 3} .0091349
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0220303{col 33}{space 2} .0691083{col 44}{space 1}   -0.32{col 53}{space 3}0.750{col 61}{space 4}  -.15748{col 74}{space 3} .1134194
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.1788971{col 33}{space 2} .0765036{col 44}{space 1}   -2.34{col 53}{space 3}0.019{col 61}{space 4}-.3288414{col 74}{space 3}-.0289528
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0567961{col 33}{space 2} .0713184{col 44}{space 1}   -0.80{col 53}{space 3}0.426{col 61}{space 4}-.1965775{col 74}{space 3} .0829853
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.1288318{col 33}{space 2} .0697189{col 44}{space 1}   -1.85{col 53}{space 3}0.065{col 61}{space 4}-.2654784{col 74}{space 3} .0078147
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2} .0275391{col 33}{space 2} .0757822{col 44}{space 1}    0.36{col 53}{space 3}0.716{col 61}{space 4}-.1209914{col 74}{space 3} .1760695
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.1125564{col 33}{space 2} .0773777{col 44}{space 1}   -1.45{col 53}{space 3}0.146{col 61}{space 4}-.2642139{col 74}{space 3} .0391011
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0280186{col 33}{space 2} .0711511{col 44}{space 1}   -0.39{col 53}{space 3}0.694{col 61}{space 4}-.1674722{col 74}{space 3} .1114349
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0185372{col 33}{space 2} .0695044{col 44}{space 1}   -0.27{col 53}{space 3}0.790{col 61}{space 4}-.1547633{col 74}{space 3}  .117689
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0654507{col 33}{space 2} .0730871{col 44}{space 1}   -0.90{col 53}{space 3}0.371{col 61}{space 4}-.2086989{col 74}{space 3} .0777974
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}  .191337{col 33}{space 2} .0946683{col 44}{space 1}    2.02{col 53}{space 3}0.043{col 61}{space 4} .0057905{col 74}{space 3} .3768835
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.0314858{col 33}{space 2} .0675916{col 44}{space 1}   -0.47{col 53}{space 3}0.641{col 61}{space 4}-.1639629{col 74}{space 3} .1009912
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.1367493{col 33}{space 2} .0777281{col 44}{space 1}   -1.76{col 53}{space 3}0.079{col 61}{space 4}-.2890936{col 74}{space 3}  .015595
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .0223192{col 33}{space 2} .0706121{col 44}{space 1}    0.32{col 53}{space 3}0.752{col 61}{space 4} -.116078{col 74}{space 3} .1607165
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0234881{col 33}{space 2}  .086309{col 44}{space 1}   -0.27{col 53}{space 3}0.786{col 61}{space 4}-.1926505{col 74}{space 3} .1456744
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} .1159206{col 33}{space 2}  .528094{col 44}{space 1}    0.22{col 53}{space 3}0.826{col 61}{space 4}-.9191247{col 74}{space 3} 1.150966
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.1273092{col 33}{space 2} .5648738{col 44}{space 1}   -0.23{col 53}{space 3}0.822{col 61}{space 4}-1.234442{col 74}{space 3} .9798231
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2}-.0310883{col 33}{space 2} .0609664{col 44}{space 1}   -0.51{col 53}{space 3}0.610{col 61}{space 4}-.1505804{col 74}{space 3} .0884037
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0084264{col 33}{space 2} .1252558{col 44}{space 1}    0.07{col 53}{space 3}0.946{col 61}{space 4}-.2370705{col 74}{space 3} .2539233
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}-.0112038{col 33}{space 2} .1017764{col 44}{space 1}   -0.11{col 53}{space 3}0.912{col 61}{space 4}-.2106818{col 74}{space 3} .1882743
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-.2225745{col 33}{space 2} .0800072{col 44}{space 1}   -2.78{col 53}{space 3}0.005{col 61}{space 4}-.3793857{col 74}{space 3}-.0657633
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}-.0339021{col 33}{space 2} .0759943{col 44}{space 1}   -0.45{col 53}{space 3}0.656{col 61}{space 4}-.1828482{col 74}{space 3} .1150439
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2}-.0227397{col 33}{space 2} .0720115{col 44}{space 1}   -0.32{col 53}{space 3}0.752{col 61}{space 4}-.1638798{col 74}{space 3} .1184003
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2}-.0580847{col 33}{space 2} .0667963{col 44}{space 1}   -0.87{col 53}{space 3}0.385{col 61}{space 4}-.1890031{col 74}{space 3} .0728337
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2}-.0443746{col 33}{space 2} .0605085{col 44}{space 1}   -0.73{col 53}{space 3}0.463{col 61}{space 4} -.162969{col 74}{space 3} .0742198
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2}-.0872962{col 33}{space 2} .0625341{col 44}{space 1}   -1.40{col 53}{space 3}0.163{col 61}{space 4}-.2098608{col 74}{space 3} .0352684
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0012948{col 33}{space 2} .0641606{col 44}{space 1}   -0.02{col 53}{space 3}0.984{col 61}{space 4}-.1270472{col 74}{space 3} .1244576
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2}-.0541133{col 33}{space 2} .0662825{col 44}{space 1}   -0.82{col 53}{space 3}0.414{col 61}{space 4}-.1840246{col 74}{space 3}  .075798
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0413869{col 33}{space 2} .0600821{col 44}{space 1}   -0.69{col 53}{space 3}0.491{col 61}{space 4}-.1591457{col 74}{space 3} .0763719
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.5710737{col 33}{space 2} .8006571{col 44}{space 1}   -0.71{col 53}{space 3}0.476{col 61}{space 4}-2.140333{col 74}{space 3} .9981854
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} .0197857{col 33}{space 2} .0604717{col 44}{space 1}    0.33{col 53}{space 3}0.744{col 61}{space 4}-.0987367{col 74}{space 3}  .138308
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2} .1623594{col 33}{space 2} .2686593{col 44}{space 1}    0.60{col 53}{space 3}0.546{col 61}{space 4}-.3642031{col 74}{space 3}  .688922
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.0541986{col 33}{space 2} .2498507{col 44}{space 1}   -0.22{col 53}{space 3}0.828{col 61}{space 4}-.5438969{col 74}{space 3} .4354997
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.0577262{col 33}{space 2} .2269409{col 44}{space 1}   -0.25{col 53}{space 3}0.799{col 61}{space 4}-.5025222{col 74}{space 3} .3870698
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.0868537{col 33}{space 2} .2399027{col 44}{space 1}   -0.36{col 53}{space 3}0.717{col 61}{space 4}-.5570543{col 74}{space 3} .3833469
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2} .1418985{col 33}{space 2} .2453884{col 44}{space 1}    0.58{col 53}{space 3}0.563{col 61}{space 4}-.3390539{col 74}{space 3} .6228509
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}-.0836239{col 33}{space 2} .2160342{col 44}{space 1}   -0.39{col 53}{space 3}0.699{col 61}{space 4}-.5070432{col 74}{space 3} .3397954
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2}-.2192811{col 33}{space 2} .2405618{col 44}{space 1}   -0.91{col 53}{space 3}0.362{col 61}{space 4}-.6907736{col 74}{space 3} .2522114
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.1381856{col 33}{space 2} .2121946{col 44}{space 1}   -0.65{col 53}{space 3}0.515{col 61}{space 4}-.5540794{col 74}{space 3} .2777082
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2}-.0055709{col 33}{space 2} .2691778{col 44}{space 1}   -0.02{col 53}{space 3}0.983{col 61}{space 4}-.5331496{col 74}{space 3} .5220079
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.1551846{col 33}{space 2}  .216192{col 44}{space 1}   -0.72{col 53}{space 3}0.473{col 61}{space 4}-.5789131{col 74}{space 3}  .268544
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2} .0098169{col 33}{space 2} .2143367{col 44}{space 1}    0.05{col 53}{space 3}0.963{col 61}{space 4}-.4102753{col 74}{space 3}  .429909
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.2492029{col 33}{space 2} .2095621{col 44}{space 1}   -1.19{col 53}{space 3}0.234{col 61}{space 4} -.659937{col 74}{space 3} .1615312
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .1023572{col 33}{space 2} .2424722{col 44}{space 1}    0.42{col 53}{space 3}0.673{col 61}{space 4}-.3728797{col 74}{space 3}  .577594
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2}-.1882254{col 33}{space 2} .2451985{col 44}{space 1}   -0.77{col 53}{space 3}0.443{col 61}{space 4}-.6688056{col 74}{space 3} .2923549
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.3767772{col 33}{space 2} .2326026{col 44}{space 1}   -1.62{col 53}{space 3}0.105{col 61}{space 4}-.8326698{col 74}{space 3} .0791155
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2} -.180832{col 33}{space 2}   .21903{col 44}{space 1}   -0.83{col 53}{space 3}0.409{col 61}{space 4}-.6101228{col 74}{space 3} .2484589
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2} .0173547{col 33}{space 2} .2443293{col 44}{space 1}    0.07{col 53}{space 3}0.943{col 61}{space 4} -.461522{col 74}{space 3} .4962315
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2} .0300529{col 33}{space 2} .2174396{col 44}{space 1}    0.14{col 53}{space 3}0.890{col 61}{space 4}-.3961208{col 74}{space 3} .4562266
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.0165611{col 33}{space 2} .2156357{col 44}{space 1}   -0.08{col 53}{space 3}0.939{col 61}{space 4}-.4391993{col 74}{space 3} .4060771
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2} -.204456{col 33}{space 2} .2463188{col 44}{space 1}   -0.83{col 53}{space 3}0.407{col 61}{space 4} -.687232{col 74}{space 3}   .27832
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .0432423{col 33}{space 2} .2598045{col 44}{space 1}    0.17{col 53}{space 3}0.868{col 61}{space 4}-.4659651{col 74}{space 3} .5524497
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2}-.1919034{col 33}{space 2} .2309475{col 44}{space 1}   -0.83{col 53}{space 3}0.406{col 61}{space 4}-.6445522{col 74}{space 3} .2607455
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.2082166{col 33}{space 2} .2208023{col 44}{space 1}   -0.94{col 53}{space 3}0.346{col 61}{space 4}-.6409811{col 74}{space 3} .2245479
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2} .1944951{col 33}{space 2} .2212666{col 44}{space 1}    0.88{col 53}{space 3}0.379{col 61}{space 4}-.2391795{col 74}{space 3} .6281697
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-.2188812{col 33}{space 2} .2190007{col 44}{space 1}   -1.00{col 53}{space 3}0.318{col 61}{space 4}-.6481147{col 74}{space 3} .2103524
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.0100219{col 33}{space 2} .2500327{col 44}{space 1}   -0.04{col 53}{space 3}0.968{col 61}{space 4}-.5000771{col 74}{space 3} .4800332
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2} .0233614{col 33}{space 2} .2239011{col 44}{space 1}    0.10{col 53}{space 3}0.917{col 61}{space 4}-.4154768{col 74}{space 3} .4621995
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.0289365{col 33}{space 2} .2371052{col 44}{space 1}   -0.12{col 53}{space 3}0.903{col 61}{space 4}-.4936543{col 74}{space 3} .4357812
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-.0334249{col 33}{space 2} .2585822{col 44}{space 1}   -0.13{col 53}{space 3}0.897{col 61}{space 4}-.5402367{col 74}{space 3} .4733869
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.0446401{col 33}{space 2} .2268713{col 44}{space 1}   -0.20{col 53}{space 3}0.844{col 61}{space 4}-.4892996{col 74}{space 3} .4000194
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2} .0956178{col 33}{space 2} .3539487{col 44}{space 1}    0.27{col 53}{space 3}0.787{col 61}{space 4}-.5981088{col 74}{space 3} .7893444
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2} .0094833{col 33}{space 2} .2291507{col 44}{space 1}    0.04{col 53}{space 3}0.967{col 61}{space 4}-.4396439{col 74}{space 3} .4586104
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2} .0609049{col 33}{space 2} .2254014{col 44}{space 1}    0.27{col 53}{space 3}0.787{col 61}{space 4}-.3808737{col 74}{space 3} .5026835
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.1247393{col 33}{space 2} .2200915{col 44}{space 1}   -0.57{col 53}{space 3}0.571{col 61}{space 4}-.5561107{col 74}{space 3} .3066321
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.0879338{col 33}{space 2} .2145884{col 44}{space 1}   -0.41{col 53}{space 3}0.682{col 61}{space 4}-.5085192{col 74}{space 3} .3326516
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} .0238063{col 33}{space 2} .2225557{col 44}{space 1}    0.11{col 53}{space 3}0.915{col 61}{space 4}-.4123949{col 74}{space 3} .4600076
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.2170695{col 33}{space 2} .2108978{col 44}{space 1}   -1.03{col 53}{space 3}0.303{col 61}{space 4}-.6304216{col 74}{space 3} .1962826
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-.0053048{col 33}{space 2} .2435903{col 44}{space 1}   -0.02{col 53}{space 3}0.983{col 61}{space 4} -.482733{col 74}{space 3} .4721235
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.4479162{col 33}{space 2} .3957503{col 44}{space 1}   -1.13{col 53}{space 3}0.258{col 61}{space 4}-1.223573{col 74}{space 3} .3277401
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.0351148{col 33}{space 2} .2203942{col 44}{space 1}   -0.16{col 53}{space 3}0.873{col 61}{space 4}-.4670795{col 74}{space 3} .3968499
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2} .0135602{col 33}{space 2} .2289903{col 44}{space 1}    0.06{col 53}{space 3}0.953{col 61}{space 4}-.4352525{col 74}{space 3} .4623729
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.0300835{col 33}{space 2}  .229006{col 44}{space 1}   -0.13{col 53}{space 3}0.895{col 61}{space 4}-.4789269{col 74}{space 3}   .41876
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2} .0536688{col 33}{space 2} .2204387{col 44}{space 1}    0.24{col 53}{space 3}0.808{col 61}{space 4}-.3783831{col 74}{space 3} .4857208
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.0041339{col 33}{space 2} .2320403{col 44}{space 1}   -0.02{col 53}{space 3}0.986{col 61}{space 4}-.4589245{col 74}{space 3} .4506567
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.1242679{col 33}{space 2} .2374559{col 44}{space 1}   -0.52{col 53}{space 3}0.601{col 61}{space 4}-.5896729{col 74}{space 3} .3411372
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2} .0617668{col 33}{space 2} .2144016{col 44}{space 1}    0.29{col 53}{space 3}0.773{col 61}{space 4}-.3584526{col 74}{space 3} .4819861
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2} .1359551{col 33}{space 2} .2322995{col 44}{space 1}    0.59{col 53}{space 3}0.558{col 61}{space 4}-.3193435{col 74}{space 3} .5912538
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2} .0613135{col 33}{space 2} .2810373{col 44}{space 1}    0.22{col 53}{space 3}0.827{col 61}{space 4}-.4895094{col 74}{space 3} .6121365
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2} .1315657{col 33}{space 2} .2344141{col 44}{space 1}    0.56{col 53}{space 3}0.575{col 61}{space 4}-.3278774{col 74}{space 3} .5910088
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2} .0035438{col 33}{space 2} .2501775{col 44}{space 1}    0.01{col 53}{space 3}0.989{col 61}{space 4}-.4867951{col 74}{space 3} .4938827
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0322302{col 33}{space 2} .2269033{col 44}{space 1}   -0.14{col 53}{space 3}0.887{col 61}{space 4}-.4769524{col 74}{space 3} .4124921
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.1606267{col 33}{space 2}  .223939{col 44}{space 1}   -0.72{col 53}{space 3}0.473{col 61}{space 4}-.5995392{col 74}{space 3} .2782857
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-.0199553{col 33}{space 2} .2191295{col 44}{space 1}   -0.09{col 53}{space 3}0.927{col 61}{space 4}-.4494412{col 74}{space 3} .4095306
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2}-.4701385{col 33}{space 2} .2160156{col 44}{space 1}   -2.18{col 53}{space 3}0.030{col 61}{space 4}-.8935214{col 74}{space 3}-.0467557
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. margins, dydx(itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh) post
{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,823
{txt}Model VCE{col 14}: {res}Robust

{txt}{p2colset 1 14 16 2}{...}
{p2col:Expression}:{space 1}{res:Pr(paidcount), predict()}{p_end}
{p2colreset}{...}
{txt}{p2colset 1 14 16 2}{...}
{p2col:dy/dx w.r.t.}:{space 1}{res:itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh}{p_end}
{p2colreset}{...}

{res}{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}{col 26} Delta-method
{col 14}{c |}      dy/dx{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 5}itt2low {c |}{col 14}{res}{space 2} .0042068{col 26}{space 2} .0296464{col 37}{space 1}    0.14{col 46}{space 3}0.887{col 54}{space 4} -.053899{col 67}{space 3} .0623126
{txt}{space 4}itt2high {c |}{col 14}{res}{space 2} .0301767{col 26}{space 2} .0165384{col 37}{space 1}    1.82{col 46}{space 3}0.068{col 54}{space 4} -.002238{col 67}{space 3} .0625913
{txt}itt2veryhigh {c |}{col 14}{res}{space 2} .0294079{col 26}{space 2} .0181396{col 37}{space 1}    1.62{col 46}{space 3}0.105{col 54}{space 4}-.0061451{col 67}{space 3} .0649609
{txt}{space 5}itt3low {c |}{col 14}{res}{space 2} .0163758{col 26}{space 2} .0294241{col 37}{space 1}    0.56{col 46}{space 3}0.578{col 54}{space 4}-.0412944{col 67}{space 3} .0740461
{txt}{space 4}itt3high {c |}{col 14}{res}{space 2}  .090307{col 26}{space 2} .0170977{col 37}{space 1}    5.28{col 46}{space 3}0.000{col 54}{space 4} .0567961{col 67}{space 3} .1238179
{txt}itt3veryhigh {c |}{col 14}{res}{space 2} .0812317{col 26}{space 2} .0179284{col 37}{space 1}    4.53{col 46}{space 3}0.000{col 54}{space 4} .0460927{col 67}{space 3} .1163707
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. reg lnpayment itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh debtgroupdummy* premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew* i.t if t==14, vce(cluster customer)
{p 0 6 2}{txt}note: debtgroupdummy3 omitted because of collinearity{p_end}
{p 0 6 2}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}
{p 0 6 2}note: 14.t omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}     5,456
                                                {txt}{help j_robustsingular:F(96, 5455) }      =  {res}        .
                                                {txt}Prob > F          = {res}         .
                                                {txt}R-squared         = {res}    0.3515
                                                {txt}Root MSE          =    {res} .88179

{txt}{ralign 85:(Std. Err. adjusted for {res:5,456} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}          lnpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 12}itt2low {c |}{col 21}{res}{space 2} .0803562{col 33}{space 2} .0856252{col 44}{space 1}    0.94{col 53}{space 3}0.348{col 61}{space 4}-.0875034{col 74}{space 3} .2482157
{txt}{space 11}itt2high {c |}{col 21}{res}{space 2}-.0024346{col 33}{space 2} .0369528{col 44}{space 1}   -0.07{col 53}{space 3}0.947{col 61}{space 4}-.0748767{col 74}{space 3} .0700076
{txt}{space 7}itt2veryhigh {c |}{col 21}{res}{space 2}  .034433{col 33}{space 2} .0640429{col 44}{space 1}    0.54{col 53}{space 3}0.591{col 61}{space 4}-.0911166{col 74}{space 3} .1599827
{txt}{space 12}itt3low {c |}{col 21}{res}{space 2} .0447849{col 33}{space 2} .0845021{col 44}{space 1}    0.53{col 53}{space 3}0.596{col 61}{space 4}-.1208729{col 74}{space 3} .2104428
{txt}{space 11}itt3high {c |}{col 21}{res}{space 2}  .005785{col 33}{space 2} .0377485{col 44}{space 1}    0.15{col 53}{space 3}0.878{col 61}{space 4}-.0682171{col 74}{space 3} .0797871
{txt}{space 7}itt3veryhigh {c |}{col 21}{res}{space 2} .0937704{col 33}{space 2} .0614307{col 44}{space 1}    1.53{col 53}{space 3}0.127{col 61}{space 4}-.0266582{col 74}{space 3}  .214199
{txt}{space 4}debtgroupdummy1 {c |}{col 21}{res}{space 2} -.343343{col 33}{space 2} .0836118{col 44}{space 1}   -4.11{col 53}{space 3}0.000{col 61}{space 4}-.5072554{col 74}{space 3}-.1794306
{txt}{space 4}debtgroupdummy2 {c |}{col 21}{res}{space 2}-.3901272{col 33}{space 2} .0573673{col 44}{space 1}   -6.80{col 53}{space 3}0.000{col 61}{space 4}-.5025901{col 74}{space 3}-.2776644
{txt}{space 4}debtgroupdummy3 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0015129{col 33}{space 2} .0001315{col 44}{space 1}   11.50{col 53}{space 3}0.000{col 61}{space 4} .0012551{col 74}{space 3} .0017708
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.1060573{col 33}{space 2} .0304404{col 44}{space 1}   -3.48{col 53}{space 3}0.000{col 61}{space 4}-.1657326{col 74}{space 3} -.046382
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0050106{col 33}{space 2} .0003107{col 44}{space 1}   16.13{col 53}{space 3}0.000{col 61}{space 4} .0044014{col 74}{space 3} .0056197
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0002254{col 33}{space 2} .0000286{col 44}{space 1}    7.89{col 53}{space 3}0.000{col 61}{space 4} .0001694{col 74}{space 3} .0002815
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2}-.0186965{col 33}{space 2} .0051201{col 44}{space 1}   -3.65{col 53}{space 3}0.000{col 61}{space 4} -.028734{col 74}{space 3}-.0086589
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.0599577{col 33}{space 2} .0597605{col 44}{space 1}   -1.00{col 53}{space 3}0.316{col 61}{space 4}-.1771121{col 74}{space 3} .0571968
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0247608{col 33}{space 2} .0616918{col 44}{space 1}   -0.40{col 53}{space 3}0.688{col 61}{space 4}-.1457015{col 74}{space 3} .0961798
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2} .0170619{col 33}{space 2} .0646399{col 44}{space 1}    0.26{col 53}{space 3}0.792{col 61}{space 4} -.109658{col 74}{space 3} .1437819
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.0990398{col 33}{space 2}  .061065{col 44}{space 1}   -1.62{col 53}{space 3}0.105{col 61}{space 4}-.2187515{col 74}{space 3} .0206719
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2}-.0071261{col 33}{space 2}  .059358{col 44}{space 1}   -0.12{col 53}{space 3}0.904{col 61}{space 4}-.1234914{col 74}{space 3} .1092393
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.1363823{col 33}{space 2}  .068883{col 44}{space 1}   -1.98{col 53}{space 3}0.048{col 61}{space 4}-.2714206{col 74}{space 3}-.0013441
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.0577647{col 33}{space 2}  .070297{col 44}{space 1}   -0.82{col 53}{space 3}0.411{col 61}{space 4}-.1955748{col 74}{space 3} .0800454
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.0511363{col 33}{space 2} .0611846{col 44}{space 1}   -0.84{col 53}{space 3}0.403{col 61}{space 4}-.1710825{col 74}{space 3}   .06881
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.0954931{col 33}{space 2} .0622707{col 44}{space 1}   -1.53{col 53}{space 3}0.125{col 61}{space 4}-.2175684{col 74}{space 3} .0265823
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.0507421{col 33}{space 2} .0645729{col 44}{space 1}   -0.79{col 53}{space 3}0.432{col 61}{space 4}-.1773308{col 74}{space 3} .0758466
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2}-.0483666{col 33}{space 2} .0794158{col 44}{space 1}   -0.61{col 53}{space 3}0.543{col 61}{space 4}-.2040533{col 74}{space 3}   .10732
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}   .00005{col 33}{space 2} .0567809{col 44}{space 1}    0.00{col 53}{space 3}0.999{col 61}{space 4}-.1112631{col 74}{space 3} .1113632
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.0731134{col 33}{space 2} .0681467{col 44}{space 1}   -1.07{col 53}{space 3}0.283{col 61}{space 4}-.2067081{col 74}{space 3} .0604814
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2}-.0061443{col 33}{space 2} .0591887{col 44}{space 1}   -0.10{col 53}{space 3}0.917{col 61}{space 4}-.1221778{col 74}{space 3} .1098892
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.0854756{col 33}{space 2} .0785686{col 44}{space 1}   -1.09{col 53}{space 3}0.277{col 61}{space 4}-.2395014{col 74}{space 3} .0685503
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2}   .76462{col 33}{space 2} .3109719{col 44}{space 1}    2.46{col 53}{space 3}0.014{col 61}{space 4} .1549911{col 74}{space 3} 1.374249
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.9529395{col 33}{space 2} .9894362{col 44}{space 1}   -0.96{col 53}{space 3}0.336{col 61}{space 4}-2.892629{col 74}{space 3} .9867502
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2} .0209341{col 33}{space 2} .0544483{col 44}{space 1}    0.38{col 53}{space 3}0.701{col 61}{space 4}-.0858063{col 74}{space 3} .1276745
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2}-.0800024{col 33}{space 2} .1144426{col 44}{space 1}   -0.70{col 53}{space 3}0.485{col 61}{space 4}-.3043555{col 74}{space 3} .1443508
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2} .0150265{col 33}{space 2}  .100475{col 44}{space 1}    0.15{col 53}{space 3}0.881{col 61}{space 4}-.1819447{col 74}{space 3} .2119977
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2} .0110202{col 33}{space 2} .0719262{col 44}{space 1}    0.15{col 53}{space 3}0.878{col 61}{space 4}-.1299839{col 74}{space 3} .1520244
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}-.0305456{col 33}{space 2} .0700081{col 44}{space 1}   -0.44{col 53}{space 3}0.663{col 61}{space 4}-.1677893{col 74}{space 3} .1066982
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2}-.0541298{col 33}{space 2} .0638802{col 44}{space 1}   -0.85{col 53}{space 3}0.397{col 61}{space 4}-.1793606{col 74}{space 3} .0711009
{txt}{space 9}datedummy9 {c |}{col 21}{res}{space 2}-.0944018{col 33}{space 2} .0617693{col 44}{space 1}   -1.53{col 53}{space 3}0.126{col 61}{space 4}-.2154943{col 74}{space 3} .0266907
{txt}{space 8}datedummy10 {c |}{col 21}{res}{space 2}-.0187273{col 33}{space 2} .0540537{col 44}{space 1}   -0.35{col 53}{space 3}0.729{col 61}{space 4}-.1246942{col 74}{space 3} .0872396
{txt}{space 8}datedummy11 {c |}{col 21}{res}{space 2} .1135184{col 33}{space 2} .0565525{col 44}{space 1}    2.01{col 53}{space 3}0.045{col 61}{space 4} .0026529{col 74}{space 3}  .224384
{txt}{space 8}datedummy12 {c |}{col 21}{res}{space 2}-.0811898{col 33}{space 2} .0575573{col 44}{space 1}   -1.41{col 53}{space 3}0.158{col 61}{space 4}-.1940251{col 74}{space 3} .0316455
{txt}{space 8}datedummy13 {c |}{col 21}{res}{space 2} .0012862{col 33}{space 2} .0561962{col 44}{space 1}    0.02{col 53}{space 3}0.982{col 61}{space 4}-.1088807{col 74}{space 3} .1114531
{txt}{space 8}datedummy14 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 8}datedummy15 {c |}{col 21}{res}{space 2}-.0275792{col 33}{space 2} .0530351{col 44}{space 1}   -0.52{col 53}{space 3}0.603{col 61}{space 4}-.1315491{col 74}{space 3} .0763907
{txt}{space 8}datedummy16 {c |}{col 21}{res}{space 2}-.2906186{col 33}{space 2} .0905959{col 44}{space 1}   -3.21{col 53}{space 3}0.001{col 61}{space 4}-.4682228{col 74}{space 3}-.1130145
{txt}{space 8}datedummy17 {c |}{col 21}{res}{space 2} -.040762{col 33}{space 2} .0521881{col 44}{space 1}   -0.78{col 53}{space 3}0.435{col 61}{space 4}-.1430714{col 74}{space 3} .0615474
{txt}{space 8}datedummy18 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}schemedummynew1 {c |}{col 21}{res}{space 2}-.2065855{col 33}{space 2}  .229288{col 44}{space 1}   -0.90{col 53}{space 3}0.368{col 61}{space 4}-.6560814{col 74}{space 3} .2429105
{txt}{space 4}schemedummynew2 {c |}{col 21}{res}{space 2}-.2933881{col 33}{space 2} .2115046{col 44}{space 1}   -1.39{col 53}{space 3}0.165{col 61}{space 4}-.7080216{col 74}{space 3} .1212453
{txt}{space 4}schemedummynew3 {c |}{col 21}{res}{space 2}-.4696043{col 33}{space 2}  .195969{col 44}{space 1}   -2.40{col 53}{space 3}0.017{col 61}{space 4}-.8537818{col 74}{space 3}-.0854268
{txt}{space 4}schemedummynew4 {c |}{col 21}{res}{space 2}-.2402951{col 33}{space 2} .2097751{col 44}{space 1}   -1.15{col 53}{space 3}0.252{col 61}{space 4}-.6515379{col 74}{space 3} .1709478
{txt}{space 4}schemedummynew5 {c |}{col 21}{res}{space 2}-.3816573{col 33}{space 2} .2223615{col 44}{space 1}   -1.72{col 53}{space 3}0.086{col 61}{space 4}-.8175745{col 74}{space 3} .0542599
{txt}{space 4}schemedummynew6 {c |}{col 21}{res}{space 2}-.3685129{col 33}{space 2} .1938773{col 44}{space 1}   -1.90{col 53}{space 3}0.057{col 61}{space 4}-.7485897{col 74}{space 3}  .011564
{txt}{space 4}schemedummynew7 {c |}{col 21}{res}{space 2} -.551769{col 33}{space 2} .2141833{col 44}{space 1}   -2.58{col 53}{space 3}0.010{col 61}{space 4}-.9716538{col 74}{space 3}-.1318842
{txt}{space 4}schemedummynew8 {c |}{col 21}{res}{space 2}-.6789166{col 33}{space 2}  .186476{col 44}{space 1}   -3.64{col 53}{space 3}0.000{col 61}{space 4}-1.044484{col 74}{space 3}-.3133492
{txt}{space 4}schemedummynew9 {c |}{col 21}{res}{space 2}-.4085296{col 33}{space 2} .2375339{col 44}{space 1}   -1.72{col 53}{space 3}0.086{col 61}{space 4}-.8741909{col 74}{space 3} .0571317
{txt}{space 3}schemedummynew10 {c |}{col 21}{res}{space 2}-.3681985{col 33}{space 2} .1860459{col 44}{space 1}   -1.98{col 53}{space 3}0.048{col 61}{space 4}-.7329227{col 74}{space 3}-.0034744
{txt}{space 3}schemedummynew11 {c |}{col 21}{res}{space 2}-.3577571{col 33}{space 2} .1848583{col 44}{space 1}   -1.94{col 53}{space 3}0.053{col 61}{space 4}-.7201531{col 74}{space 3} .0046389
{txt}{space 3}schemedummynew12 {c |}{col 21}{res}{space 2}-.4193725{col 33}{space 2}  .181651{col 44}{space 1}   -2.31{col 53}{space 3}0.021{col 61}{space 4}-.7754808{col 74}{space 3}-.0632642
{txt}{space 3}schemedummynew13 {c |}{col 21}{res}{space 2} .0055682{col 33}{space 2} .2051652{col 44}{space 1}    0.03{col 53}{space 3}0.978{col 61}{space 4}-.3966374{col 74}{space 3} .4077738
{txt}{space 3}schemedummynew14 {c |}{col 21}{res}{space 2} -.309827{col 33}{space 2} .1989593{col 44}{space 1}   -1.56{col 53}{space 3}0.119{col 61}{space 4}-.6998665{col 74}{space 3} .0802125
{txt}{space 3}schemedummynew15 {c |}{col 21}{res}{space 2}-.7658529{col 33}{space 2} .2389865{col 44}{space 1}   -3.20{col 53}{space 3}0.001{col 61}{space 4}-1.234362{col 74}{space 3}-.2973441
{txt}{space 3}schemedummynew16 {c |}{col 21}{res}{space 2}-.1784064{col 33}{space 2} .1903222{col 44}{space 1}   -0.94{col 53}{space 3}0.349{col 61}{space 4}-.5515138{col 74}{space 3}  .194701
{txt}{space 3}schemedummynew17 {c |}{col 21}{res}{space 2}-.2021142{col 33}{space 2} .2003938{col 44}{space 1}   -1.01{col 53}{space 3}0.313{col 61}{space 4}-.5949661{col 74}{space 3} .1907376
{txt}{space 3}schemedummynew18 {c |}{col 21}{res}{space 2}-.5843891{col 33}{space 2} .1852271{col 44}{space 1}   -3.15{col 53}{space 3}0.002{col 61}{space 4} -.947508{col 74}{space 3}-.2212701
{txt}{space 3}schemedummynew19 {c |}{col 21}{res}{space 2}-.2501534{col 33}{space 2} .1866059{col 44}{space 1}   -1.34{col 53}{space 3}0.180{col 61}{space 4}-.6159754{col 74}{space 3} .1156686
{txt}{space 3}schemedummynew20 {c |}{col 21}{res}{space 2}-.5158654{col 33}{space 2} .2012897{col 44}{space 1}   -2.56{col 53}{space 3}0.010{col 61}{space 4}-.9104736{col 74}{space 3}-.1212573
{txt}{space 3}schemedummynew21 {c |}{col 21}{res}{space 2} .0307674{col 33}{space 2} .2338005{col 44}{space 1}    0.13{col 53}{space 3}0.895{col 61}{space 4} -.427575{col 74}{space 3} .4891097
{txt}{space 3}schemedummynew22 {c |}{col 21}{res}{space 2} -.427646{col 33}{space 2}  .197843{col 44}{space 1}   -2.16{col 53}{space 3}0.031{col 61}{space 4}-.8154973{col 74}{space 3}-.0397948
{txt}{space 3}schemedummynew23 {c |}{col 21}{res}{space 2}-.5684431{col 33}{space 2} .1894674{col 44}{space 1}   -3.00{col 53}{space 3}0.003{col 61}{space 4}-.9398748{col 74}{space 3}-.1970114
{txt}{space 3}schemedummynew24 {c |}{col 21}{res}{space 2}-.3172761{col 33}{space 2} .1879808{col 44}{space 1}   -1.69{col 53}{space 3}0.092{col 61}{space 4}-.6857935{col 74}{space 3} .0512413
{txt}{space 3}schemedummynew25 {c |}{col 21}{res}{space 2}-.3073729{col 33}{space 2} .1870357{col 44}{space 1}   -1.64{col 53}{space 3}0.100{col 61}{space 4}-.6740374{col 74}{space 3} .0592917
{txt}{space 3}schemedummynew26 {c |}{col 21}{res}{space 2}-.2063054{col 33}{space 2} .2156636{col 44}{space 1}   -0.96{col 53}{space 3}0.339{col 61}{space 4}-.6290921{col 74}{space 3} .2164812
{txt}{space 3}schemedummynew27 {c |}{col 21}{res}{space 2}-.1168611{col 33}{space 2} .1980957{col 44}{space 1}   -0.59{col 53}{space 3}0.555{col 61}{space 4}-.5052078{col 74}{space 3} .2714856
{txt}{space 3}schemedummynew28 {c |}{col 21}{res}{space 2}-.5221275{col 33}{space 2} .2074068{col 44}{space 1}   -2.52{col 53}{space 3}0.012{col 61}{space 4}-.9287277{col 74}{space 3}-.1155274
{txt}{space 3}schemedummynew29 {c |}{col 21}{res}{space 2}-.2772526{col 33}{space 2} .2382107{col 44}{space 1}   -1.16{col 53}{space 3}0.245{col 61}{space 4}-.7442406{col 74}{space 3} .1897354
{txt}{space 3}schemedummynew30 {c |}{col 21}{res}{space 2}-.4990693{col 33}{space 2} .1969862{col 44}{space 1}   -2.53{col 53}{space 3}0.011{col 61}{space 4}-.8852409{col 74}{space 3}-.1128977
{txt}{space 3}schemedummynew31 {c |}{col 21}{res}{space 2}-.3609263{col 33}{space 2} .2572005{col 44}{space 1}   -1.40{col 53}{space 3}0.161{col 61}{space 4}-.8651419{col 74}{space 3} .1432893
{txt}{space 3}schemedummynew32 {c |}{col 21}{res}{space 2}-.4197779{col 33}{space 2} .2135738{col 44}{space 1}   -1.97{col 53}{space 3}0.049{col 61}{space 4}-.8384678{col 74}{space 3}-.0010879
{txt}{space 3}schemedummynew33 {c |}{col 21}{res}{space 2}-.3482749{col 33}{space 2} .1921656{col 44}{space 1}   -1.81{col 53}{space 3}0.070{col 61}{space 4}-.7249962{col 74}{space 3} .0284464
{txt}{space 3}schemedummynew34 {c |}{col 21}{res}{space 2}-.4593895{col 33}{space 2} .1917072{col 44}{space 1}   -2.40{col 53}{space 3}0.017{col 61}{space 4}-.8352122{col 74}{space 3}-.0835669
{txt}{space 3}schemedummynew35 {c |}{col 21}{res}{space 2}-.3902253{col 33}{space 2} .1876485{col 44}{space 1}   -2.08{col 53}{space 3}0.038{col 61}{space 4}-.7580911{col 74}{space 3}-.0223595
{txt}{space 3}schemedummynew36 {c |}{col 21}{res}{space 2} -.502558{col 33}{space 2} .1971081{col 44}{space 1}   -2.55{col 53}{space 3}0.011{col 61}{space 4}-.8889684{col 74}{space 3}-.1161475
{txt}{space 3}schemedummynew37 {c |}{col 21}{res}{space 2}-.3718449{col 33}{space 2} .1839012{col 44}{space 1}   -2.02{col 53}{space 3}0.043{col 61}{space 4}-.7323646{col 74}{space 3}-.0113252
{txt}{space 3}schemedummynew38 {c |}{col 21}{res}{space 2}-.1322796{col 33}{space 2} .2056621{col 44}{space 1}   -0.64{col 53}{space 3}0.520{col 61}{space 4}-.5354593{col 74}{space 3} .2709001
{txt}{space 3}schemedummynew39 {c |}{col 21}{res}{space 2}-.3024322{col 33}{space 2} .7645446{col 44}{space 1}   -0.40{col 53}{space 3}0.692{col 61}{space 4}-1.801245{col 74}{space 3}  1.19638
{txt}{space 3}schemedummynew40 {c |}{col 21}{res}{space 2}-.4240465{col 33}{space 2} .1920274{col 44}{space 1}   -2.21{col 53}{space 3}0.027{col 61}{space 4}-.8004968{col 74}{space 3}-.0475962
{txt}{space 3}schemedummynew41 {c |}{col 21}{res}{space 2}-.1091971{col 33}{space 2} .1941085{col 44}{space 1}   -0.56{col 53}{space 3}0.574{col 61}{space 4}-.4897272{col 74}{space 3}  .271333
{txt}{space 3}schemedummynew42 {c |}{col 21}{res}{space 2}-.4453683{col 33}{space 2} .1943414{col 44}{space 1}   -2.29{col 53}{space 3}0.022{col 61}{space 4}-.8263549{col 74}{space 3}-.0643817
{txt}{space 3}schemedummynew43 {c |}{col 21}{res}{space 2}-.1997247{col 33}{space 2} .1880815{col 44}{space 1}   -1.06{col 53}{space 3}0.288{col 61}{space 4}-.5684394{col 74}{space 3} .1689901
{txt}{space 3}schemedummynew44 {c |}{col 21}{res}{space 2}-.0370049{col 33}{space 2} .2093658{col 44}{space 1}   -0.18{col 53}{space 3}0.860{col 61}{space 4}-.4474454{col 74}{space 3} .3734355
{txt}{space 3}schemedummynew45 {c |}{col 21}{res}{space 2}-.3297662{col 33}{space 2} .2278549{col 44}{space 1}   -1.45{col 53}{space 3}0.148{col 61}{space 4}-.7764526{col 74}{space 3} .1169203
{txt}{space 3}schemedummynew46 {c |}{col 21}{res}{space 2}-.1204283{col 33}{space 2} .1845073{col 44}{space 1}   -0.65{col 53}{space 3}0.514{col 61}{space 4}-.4821362{col 74}{space 3} .2412796
{txt}{space 3}schemedummynew47 {c |}{col 21}{res}{space 2}-.0057479{col 33}{space 2} .2070932{col 44}{space 1}   -0.03{col 53}{space 3}0.978{col 61}{space 4}-.4117332{col 74}{space 3} .4002374
{txt}{space 3}schemedummynew48 {c |}{col 21}{res}{space 2}-.0884573{col 33}{space 2} .2165643{col 44}{space 1}   -0.41{col 53}{space 3}0.683{col 61}{space 4}-.5130098{col 74}{space 3} .3360952
{txt}{space 3}schemedummynew49 {c |}{col 21}{res}{space 2}-.2402949{col 33}{space 2} .1941681{col 44}{space 1}   -1.24{col 53}{space 3}0.216{col 61}{space 4}-.6209418{col 74}{space 3}  .140352
{txt}{space 3}schemedummynew50 {c |}{col 21}{res}{space 2}-.4604185{col 33}{space 2} .2281712{col 44}{space 1}   -2.02{col 53}{space 3}0.044{col 61}{space 4} -.907725{col 74}{space 3} -.013112
{txt}{space 3}schemedummynew51 {c |}{col 21}{res}{space 2}-.0406001{col 33}{space 2} .1970054{col 44}{space 1}   -0.21{col 53}{space 3}0.837{col 61}{space 4}-.4268092{col 74}{space 3}  .345609
{txt}{space 3}schemedummynew52 {c |}{col 21}{res}{space 2}-.5258425{col 33}{space 2} .1948384{col 44}{space 1}   -2.70{col 53}{space 3}0.007{col 61}{space 4}-.9078035{col 74}{space 3}-.1438815
{txt}{space 3}schemedummynew53 {c |}{col 21}{res}{space 2}-.6372191{col 33}{space 2} .1913963{col 44}{space 1}   -3.33{col 53}{space 3}0.001{col 61}{space 4}-1.012432{col 74}{space 3} -.262006
{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 15}14.t {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 14}_cons {c |}{col 21}{res}{space 2} 5.514918{col 33}{space 2} .1897852{col 44}{space 1}   29.06{col 53}{space 3}0.000{col 61}{space 4} 5.142863{col 74}{space 3} 5.886973
{txt}{hline 20}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{res}{txt}
{com}. 
. preserve 
{txt}
{com}. keep if t==14
{txt}(384,211 observations deleted)

{com}. capture program drop Ey_boot
{txt}
{com}. program define Ey_boot, eclass
{txt}  1{com}. twopm payment itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh debtgroupdummy* premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*, firstpart(probit) secondpart(regress, log) vce(cluster customer)
{txt}  2{com}. margins, dydx(itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh) predict(duan) nose post
{txt}  3{com}. end
{txt}
{com}. bootstrap _b, seed(3125) reps(1000): Ey_boot
{txt}(running Ey_boot on estimation sample)

Bootstrap replications ({res}1000{txt})
{hline 4}{c +}{hline 3} 1 {hline 3}{c +}{hline 3} 2 {hline 3}{c +}{hline 3} 3 {hline 3}{c +}{hline 3} 4 {hline 3}{c +}{hline 3} 5 
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{res}
{txt}Average marginal effects{col 49}Number of obs{col 67}= {res}     9,823
{txt}{col 49}Replications{col 67}= {res}     1,000

{txt}{hline 13}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 14}{c |}   Observed{col 26}   Bootstrap{col 54}         Norm{col 67}al-based
{col 14}{c |}      Coef.{col 26}   Std. Err.{col 38}      z{col 46}   P>|z|{col 54}     [95% Con{col 67}f. Interval]
{hline 13}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 5}itt2low {c |}{col 14}{res}{space 2} 19.97027{col 26}{space 2} 23.88033{col 37}{space 1}    0.84{col 46}{space 3}0.403{col 54}{space 4}-26.83432{col 67}{space 3} 66.77487
{txt}{space 4}itt2high {c |}{col 14}{res}{space 2} 13.57997{col 26}{space 2} 11.49637{col 37}{space 1}    1.18{col 46}{space 3}0.238{col 54}{space 4}-8.952499{col 67}{space 3} 36.11244
{txt}itt2veryhigh {c |}{col 14}{res}{space 2} 21.47906{col 26}{space 2} 16.80594{col 37}{space 1}    1.28{col 46}{space 3}0.201{col 54}{space 4}-11.45996{col 67}{space 3} 54.41809
{txt}{space 5}itt3low {c |}{col 14}{res}{space 2} 17.69792{col 26}{space 2}  23.4109{col 37}{space 1}    0.76{col 46}{space 3}0.450{col 54}{space 4}-28.18661{col 67}{space 3} 63.58244
{txt}{space 4}itt3high {c |}{col 14}{res}{space 2}  43.5676{col 26}{space 2} 12.19574{col 37}{space 1}    3.57{col 46}{space 3}0.000{col 54}{space 4} 19.66439{col 67}{space 3} 67.47082
{txt}itt3veryhigh {c |}{col 14}{res}{space 2} 59.02976{col 26}{space 2} 17.25455{col 37}{space 1}    3.42{col 46}{space 3}0.001{col 54}{space 4} 25.21146{col 67}{space 3} 92.84807
{txt}{hline 13}{c BT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}

{com}. estimates store highlow
{txt}
{com}. restore
{txt}
{com}. test itt2high = itt2veryhigh

{p 0 7}{space 1}{text:( 1)}{space 1} {res}itt2high - itt2veryhigh = 0{p_end}

{txt}{col 12}chi2(  1) ={res}    0.15
{txt}{col 10}Prob > chi2 =  {res}  0.6997
{txt}
{com}. test itt3high = itt3veryhigh

{p 0 7}{space 1}{text:( 1)}{space 1} {res}itt3high - itt3veryhigh = 0{p_end}

{txt}{col 12}chi2(  1) ={res}    0.55
{txt}{col 10}Prob > chi2 =  {res}  0.4565
{txt}
{com}. 
. reg asinhpayment itt2low itt2high itt2veryhigh itt3low itt3high itt3veryhigh i.debtgroup i.debtgroupdummy* premeaninvoicew presumpaymentratiow preage_of_accountw preclosingbalancew prepaidcounttotal interviewerdummy* datedummy* schemedummynew*  if t==14,  vce(cluster customer)
{p 0 6 2}{txt}note: 1.debtgroupdummy1 omitted because of collinearity{p_end}
{p 0 6 2}note: 1.debtgroupdummy2 omitted because of collinearity{p_end}
{p 0 6 2}note: 1.debtgroupdummy3 omitted because of collinearity{p_end}
{p 0 6 2}note: interviewerdummy16 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy14 omitted because of collinearity{p_end}
{p 0 6 2}note: datedummy18 omitted because of collinearity{p_end}
{p 0 6 2}note: schemedummynew54 omitted because of collinearity{p_end}

Linear regression                               Number of obs     = {res}     9,823
                                                {txt}F(97, 9822)       =  {res}    20.13
                                                {txt}Prob > F          = {res}    0.0000
                                                {txt}R-squared         = {res}    0.1345
                                                {txt}Root MSE          =    {res} 2.8356

{txt}{ralign 85:(Std. Err. adjusted for {res:9,823} clusters in customer)}
{hline 20}{c TT}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{col 21}{c |}{col 33}    Robust
{col 1}       asinhpayment{col 21}{c |}      Coef.{col 33}   Std. Err.{col 45}      t{col 53}   P>|t|{col 61}     [95% Con{col 74}f. Interval]
{hline 20}{c +}{hline 11}{hline 11}{hline 9}{hline 8}{hline 13}{hline 12}
{space 12}itt2low {c |}{col 21}{res}{space 2} .0559947{col 33}{space 2} .1775816{col 44}{space 1}    0.32{col 53}{space 3}0.753{col 61}{space 4}-.2921016{col 74}{space 3}  .404091
{txt}{space 11}itt2high {c |}{col 21}{res}{space 2} .1695746{col 33}{space 2} .0954369{col 44}{space 1}    1.78{col 53}{space 3}0.076{col 61}{space 4}-.0175014{col 74}{space 3} .3566505
{txt}{space 7}itt2veryhigh {c |}{col 21}{res}{space 2} .2152501{col 33}{space 2} .1262308{col 44}{space 1}    1.71{col 53}{space 3}0.088{col 61}{space 4}-.0321883{col 74}{space 3} .4626885
{txt}{space 12}itt3low {c |}{col 21}{res}{space 2} .1349184{col 33}{space 2} .1772163{col 44}{space 1}    0.76{col 53}{space 3}0.446{col 61}{space 4} -.212462{col 74}{space 3} .4822987
{txt}{space 11}itt3high {c |}{col 21}{res}{space 2} .4842752{col 33}{space 2}  .095908{col 44}{space 1}    5.05{col 53}{space 3}0.000{col 61}{space 4} .2962758{col 74}{space 3} .6722745
{txt}{space 7}itt3veryhigh {c |}{col 21}{res}{space 2}  .577202{col 33}{space 2} .1269127{col 44}{space 1}    4.55{col 53}{space 3}0.000{col 61}{space 4}  .328427{col 74}{space 3} .8259769
{txt}{space 19} {c |}
{space 10}debtgroup {c |}
{space 17}1  {c |}{col 21}{res}{space 2} .5351997{col 33}{space 2} .1444939{col 44}{space 1}    3.70{col 53}{space 3}0.000{col 61}{space 4}  .251962{col 74}{space 3} .8184374
{txt}{space 17}2  {c |}{col 21}{res}{space 2} .1988209{col 33}{space 2} .1619992{col 44}{space 1}    1.23{col 53}{space 3}0.220{col 61}{space 4}-.1187309{col 74}{space 3} .5163727
{txt}{space 19} {c |}
{space 2}1.debtgroupdummy1 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 2}1.debtgroupdummy2 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 2}1.debtgroupdummy3 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 4}premeaninvoicew {c |}{col 21}{res}{space 2} .0002636{col 33}{space 2}  .000151{col 44}{space 1}    1.75{col 53}{space 3}0.081{col 61}{space 4}-.0000323{col 74}{space 3} .0005596
{txt}presumpaymentratiow {c |}{col 21}{res}{space 2}-.2240418{col 33}{space 2} .0580572{col 44}{space 1}   -3.86{col 53}{space 3}0.000{col 61}{space 4}-.3378458{col 74}{space 3}-.1102377
{txt}{space 1}preage_of_accountw {c |}{col 21}{res}{space 2} .0023311{col 33}{space 2} .0008184{col 44}{space 1}    2.85{col 53}{space 3}0.004{col 61}{space 4} .0007269{col 74}{space 3} .0039353
{txt}{space 1}preclosingbalancew {c |}{col 21}{res}{space 2} .0001236{col 33}{space 2} .0000363{col 44}{space 1}    3.41{col 53}{space 3}0.001{col 61}{space 4} .0000525{col 74}{space 3} .0001947
{txt}{space 2}prepaidcounttotal {c |}{col 21}{res}{space 2} .3564573{col 33}{space 2}  .011607{col 44}{space 1}   30.71{col 53}{space 3}0.000{col 61}{space 4} .3337051{col 74}{space 3} .3792094
{txt}{space 2}interviewerdummy1 {c |}{col 21}{res}{space 2}-.3243611{col 33}{space 2} .1475558{col 44}{space 1}   -2.20{col 53}{space 3}0.028{col 61}{space 4}-.6136008{col 74}{space 3}-.0351213
{txt}{space 2}interviewerdummy2 {c |}{col 21}{res}{space 2}-.0766797{col 33}{space 2} .1487479{col 44}{space 1}   -0.52{col 53}{space 3}0.606{col 61}{space 4}-.3682562{col 74}{space 3} .2148968
{txt}{space 2}interviewerdummy3 {c |}{col 21}{res}{space 2}-.3662362{col 33}{space 2} .1657991{col 44}{space 1}   -2.21{col 53}{space 3}0.027{col 61}{space 4}-.6912366{col 74}{space 3}-.0412359
{txt}{space 2}interviewerdummy4 {c |}{col 21}{res}{space 2}-.1760069{col 33}{space 2} .1541363{col 44}{space 1}   -1.14{col 53}{space 3}0.254{col 61}{space 4}-.4781457{col 74}{space 3} .1261319
{txt}{space 2}interviewerdummy5 {c |}{col 21}{res}{space 2} -.294919{col 33}{space 2} .1504444{col 44}{space 1}   -1.96{col 53}{space 3}0.050{col 61}{space 4}-.5898209{col 74}{space 3}-.0000172
{txt}{space 2}interviewerdummy6 {c |}{col 21}{res}{space 2}-.0235591{col 33}{space 2} .1627132{col 44}{space 1}   -0.14{col 53}{space 3}0.885{col 61}{space 4}-.3425105{col 74}{space 3} .2953922
{txt}{space 2}interviewerdummy7 {c |}{col 21}{res}{space 2}-.2686405{col 33}{space 2} .1650017{col 44}{space 1}   -1.63{col 53}{space 3}0.104{col 61}{space 4}-.5920777{col 74}{space 3} .0547968
{txt}{space 2}interviewerdummy8 {c |}{col 21}{res}{space 2}-.1036311{col 33}{space 2} .1528461{col 44}{space 1}   -0.68{col 53}{space 3}0.498{col 61}{space 4}-.4032408{col 74}{space 3} .1959785
{txt}{space 2}interviewerdummy9 {c |}{col 21}{res}{space 2}-.1244955{col 33}{space 2} .1493308{col 44}{space 1}   -0.83{col 53}{space 3}0.404{col 61}{space 4}-.4172146{col 74}{space 3} .1682237
{txt}{space 1}interviewerdummy10 {c |}{col 21}{res}{space 2}-.1846581{col 33}{space 2} .1574344{col 44}{space 1}   -1.17{col 53}{space 3}0.241{col 61}{space 4}-.4932619{col 74}{space 3} .1239458
{txt}{space 1}interviewerdummy11 {c |}{col 21}{res}{space 2} .3220302{col 33}{space 2} .1983576{col 44}{space 1}    1.62{col 53}{space 3}0.105{col 61}{space 4}-.0667916{col 74}{space 3} .7108519
{txt}{space 1}interviewerdummy12 {c |}{col 21}{res}{space 2}-.1072791{col 33}{space 2} .1459778{col 44}{space 1}   -0.73{col 53}{space 3}0.462{col 61}{space 4}-.3934257{col 74}{space 3} .1788674
{txt}{space 1}interviewerdummy13 {c |}{col 21}{res}{space 2}-.3499682{col 33}{space 2} .1656201{col 44}{space 1}   -2.11{col 53}{space 3}0.035{col 61}{space 4}-.6746177{col 74}{space 3}-.0253187
{txt}{space 1}interviewerdummy14 {c |}{col 21}{res}{space 2} .0469815{col 33}{space 2} .1539969{col 44}{space 1}    0.31{col 53}{space 3}0.760{col 61}{space 4}-.2548842{col 74}{space 3} .3488471
{txt}{space 1}interviewerdummy15 {c |}{col 21}{res}{space 2}-.1312862{col 33}{space 2} .1842552{col 44}{space 1}   -0.71{col 53}{space 3}0.476{col 61}{space 4}-.4924643{col 74}{space 3} .2298919
{txt}{space 1}interviewerdummy16 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
{space 9}datedummy1 {c |}{col 21}{res}{space 2} .7974086{col 33}{space 2} 1.321867{col 44}{space 1}    0.60{col 53}{space 3}0.546{col 61}{space 4}-1.793722{col 74}{space 3}  3.38854
{txt}{space 9}datedummy2 {c |}{col 21}{res}{space 2}-.5131676{col 33}{space 2} .9865227{col 44}{space 1}   -0.52{col 53}{space 3}0.603{col 61}{space 4}-2.446955{col 74}{space 3}  1.42062
{txt}{space 9}datedummy3 {c |}{col 21}{res}{space 2}-.0312731{col 33}{space 2} .1300903{col 44}{space 1}   -0.24{col 53}{space 3}0.810{col 61}{space 4} -.286277{col 74}{space 3} .2237307
{txt}{space 9}datedummy4 {c |}{col 21}{res}{space 2} .0135076{col 33}{space 2} .2639949{col 44}{space 1}    0.05{col 53}{space 3}0.959{col 61}{space 4}-.5039766{col 74}{space 3} .5309918
{txt}{space 9}datedummy5 {c |}{col 21}{res}{space 2}-.0325376{col 33}{space 2} .2161651{col 44}{space 1}   -0.15{col 53}{space 3}0.880{col 61}{space 4}-.4562656{col 74}{space 3} .3911905
{txt}{space 9}datedummy6 {c |}{col 21}{res}{space 2}-.4359537{col 33}{space 2} .1713174{col 44}{space 1}   -2.54{col 53}{space 3}0.011{col 61}{space 4} -.771771{col 74}{space 3}-.1001364
{txt}{space 9}datedummy7 {c |}{col 21}{res}{space 2}-.0702625{col 33}{space 2} .1628978{col 44}{space 1}   -0.43{col 53}{space 3}0.666{col 61}{space 4}-.3895756{col 74}{space 3} .2490507
{txt}{space 9}datedummy8 {c |}{col 21}{res}{space 2} -.076444{col 33}{space 2} .1528347{col 44}{space 1}   -0.50{col 53}{space 3}0.617{col 61}{space 4}-.3760313{col 74}{space 3} .2231434
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{txt}{space 3}schemedummynew54 {c |}{col 21}{res}{space 2}        0{col 33}{txt}  (omitted)
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